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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,831 | $63,082+55.1% | $81,726+19.7% | $79,856+22.5% |
| Participation rate | 65.1% | 67.5%-2.4pp | 72.0%-6.9pp | 69.6%-4.5pp |
| Annual return | 8.25% | 22.66%-14.4pp | 29.49%-21.2pp | 31.71%-23.5pp |
| Employer contribution / active EE | $583 | $1,795-67.5% | $4,311-86.5% | $2,471-76.4% |
| Participant deferral / active EE | $2,876 | $2,780+3.5% | $7,108-59.5% | $3,741-23.1% |
| Admin fee / account holder | $7,106 | $4,428+60.5% | $5,160+37.7% | $5,306+33.9% |